Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

Social Security number and income

Account balances and payment history

Credit history and credit score

When you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reason NEST HOME LENDING, LLC chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does NEST HOME LENDING, LLC share?

Can you limit this sharing?

For our everyday business purposes -
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

No

For our marketing purposes -
to offer our products and services to you

Yes

No

For joint marketing with other financial companies

No

We do not share

For our affiliates' everyday business purposes -
information about your transactions and experiences

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does NEST HOME LENDING, LLC collect my personal information?

We collect your personal information, for example, when you

apply for a loan or give us your income information

provide employment information or give us your employment history

make a loan payment

We also collect your personal information from others such as credit bureaus, affiliates, or other companies.

State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

CORNERSTONE HOME LENDING, INC.

OAKWOOD HOMES, LLC

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

NEST HOME LENDING, LLC does not share with nonaffiliates so they can market to you.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

NEST HOME LENDING, LLC doesn’t jointly market.

Nest Online Privacy Policy Effective: June 23, 2015

This Privacy Policy ("Policy") applies to your use of the Nest Home Lending, LLC website, mobile application or other online service (collectively, the Online Services). This Policy describes how Nest may collect, share, and use information that is captured while you use the Online Services. Please keep in mind that:
Accommodate

This Policy is intended to cover only our U.S. customers. Any international users of the Online Services should be aware that by using the Online Services, your information may be transferred to or processed in the United States.

Personal information that you share on Nest-managed social media pages, such as Facebook and Twitter, are subject to the privacy policies and terms of use of those platforms. Please refer to those policies before posting any content to those pages. You should NEVER provide personal information to Nest through social media.

We do not knowingly collect personal information from individuals under the age of 13 without parental consent. Our online services are not intended for children under 13.

This Policy does not apply to information that we may collect through offline channels.

By continuing to use the Online Services, you consent to the terms of this Policy.

What Information Do We Collect and How Do We Collect that Information?Personal Information

We collect Personal Information that you provide to us on the Online Services via forms, applications, surveys, and other online fields. This Personal Information may include your name, postal address, e-mail address, telephone numbers, loan number, username, and password.

Non-Personal Information

In addition to the Personal Information that we collect from you as described above, we may collect some Non-Personal Information from your use of the Online Services. This Non-Personal Information may include information concerning the browser you are using, as well as information collected through cookies, pixel tags, clear gifs, and other technologies to measure the effectiveness of our communications, to compile statistics about usage and response rates, and to assist us in resolving issues that may arise on the Online Services. Non-Personal Information does not include any information that is associated with Personal Information. The information that is captured about your visit may be used in a variety of ways, such as to monitor and maintain information about your visits to the Online Services, to help us identify and address problems with and to improve the Online Services, to analyze web traffic trends, and to help protect the security and integrity of the Online Services.

What Are Cookies?

Our site also uses "cookies" (small data files stored on your computer) and other tracking technologies to collect information about your visit to our site. The cookies and tracking technologies we use do not capture Personally Identifying Information. The information that is captured about your visit may be used in a variety of ways, such as to monitor and maintain information about your visits to our site, to help us identify and address problems, to improve our site, to analyze web traffic trends, and to help protect the security and integrity of our site.

You may set your browser not to accept cookies or to notify you when you receive cookies, giving you the opportunity to decide whether to accept cookies. If you do not accept cookies, you may still use our site, but your experience may be degraded.

We may also use pixel tags (also known as “clear gifs,” “Web beacons,” or “1-by-1gifs”) on our site. These may be used in connection with certain pages of our site or with email messages to measure the effectiveness of our communications and our marketing campaigns, to compile statistics about usage and response rates, and to assist us in resolving issues that may arise on our site.

How Do We Use Your Information?

The information Nest collects is used to improve your service and experience on the Online Services. We may use your information:

for risk control, to comply with laws and regulations and to comply with other legal process and law enforcement requirements;

if you register a profile with us, to contact you, via the phone or e-mail;

for marketing purposes, such as notifying you of company news and promotions; and

to personalize your experience or to improve the Online Services and website offerings by allowing us to customize the content and/or layout of our page based on feedback and information we receive from you.

Who Do We Share Your Information With?
We do not sell, trade, or otherwise transfer your Personal Information to outside parties without your consent, except as described in this paragraph. We may, without your consent, disclose your Personal Information to trusted third parties who assist us in operating the Online Services, processing transactions, conducting our business, or servicing you, so long as these parties agree to keep this information confidential, consistent with this Policy. We may also, without your consent, disclose this information to third parties: (1) when we have reason to believe that such disclosure is necessary to identify, contact, or bring legal action against someone who may be causing injury to or interference with (either intentionally or unintentionally) our rights or property, customers, or other users of the Online Services, or anyone else who could be harmed by such activities; or (2) to respond to judicial process and provide information to law enforcement agencies or in connection with an investigation on matters related to public safety, as permitted by law, or otherwise as required by law, such as to comply with a subpoena or similar legal process. Non-Personal Information collected at the Online Services may be provided to third-parties for marketing, advertising, or other uses.How Do We Protect Your Information?
We use security measures designed to maintain the safety of your information, including encryption technologies, to protect against the loss, misuse, or alteration of information that we have collected from you at the Online Services. For example, Nest employs procedures to (1) protect the confidentiality of Social Security numbers, (2) prohibit unlawful disclosure of Social Security numbers, and (3) limit access to Social Security numbers. Unfortunately, no security technology is completely secure, and you should remember that the Internet may not be a secure means of communication.

Do We Track Our Visitors Online?

Some web browsers may transmit "do-not-track" or similar signals to the websites with which the user communicates. There currently is no industry standard for how websites should respond when they receive such a signal. The Online Services do not respond to web browsers' do-not-track signals.

Some of the content, advertisements, and functionality on the Online Services may be provided by third parties. We also use third party service providers to provide us with analytics services so we can improve the Online Services. These third parties may collect information about your use of the Online Services through cookies and web beacons, and this information may be collected over time and combined with information collected across different websites. These third parties will only collect Personal Information if you provide it directly to them.

What About Third Party Links in the Online Services?

The Online Services may contain links to other websites that we feel may be of interest to you. We are providing these links to you as a convenience, but these external websites may have different privacy policies than the Online Services. Please review the privacy policy of any site you access through our site as any information that you share with third party sites are not subject to this Policy.

How Will We Inform You of Changes to this Policy?
We may update this Policy from time to time. Any changes to this Policy will be posted on our website along with the date of the revision. The changes to this Policy will become effective as soon as they are published on this website. We encourage to you to review this Policy periodically.

Do You Have Questions?

If you have any questions about this Policy, please contact us at 877-621-4663.